Bankrate Incorporated

Q. I'd like to lower my car insurance premiums. What are some of the most common discounts?

A. You'll generally get a discount if your auto and homeowners or renters insurance are with the same company, and you may get an additional discount on all of your policies for adding umbrella coverage. Most insurers give you a break if you are insuring more than one car, or for remaining accident-free for a given number of years.

Most also give a discount for anti-theft devices (such as car alarms, ignition cutoff switches and VIN etchings), anti-lock brakes and special safety features, such as extra airbags. A few insurers, including Farmers and Travelers, offer discounts for...

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Q. I'd like to lower my car insurance premiums. What are some of the most common discounts? A. You'll generally get a discount if your auto and homeowners or renters insurance are with the same company, and you may get an additional discount on all of...

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